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For payment & e-money licensees

The permission is granted. The platform is the hard part.

Whatever the license — stored-value, e-money, card scheme or payment services — the problem is the same: it took eighteen months to get, and the product still doesn't exist.

What we hear

Three constraints, in every conversation.

  • A license with a clock on it

    Regulators expect activity. Every month without a live product is a month of burn and a harder conversation at renewal.

  • Build costs quoted in years

    Vendors quote a platform in eighteen months at a price that assumes a book you do not have yet.

  • Compliance obligations from day one

    Screening, limits, velocity rules, audit trails and reporting are required whether or not you have customers.

Where to start

Bank-in-a-Box

Wallet, accounts, cards, payments and back-office under your brand, configured to the permissions your license actually carries.

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Enablers

Commerce, savings and scoring products that give a new licensee something to sell in weeks rather than quarters.

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On-demand

A platform engineered for your specific mandate, assembled from proven parts and live in weeks, not years.

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Maly Pay

Collections and payouts with idempotency, signed webhooks and a reconcilable ledger from the first transaction.

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Compliance tooling is configured to your policy: screening, limits, velocity rules, suspicious activity flags, maker-checker and full audit trail. You set policy and make every decision.

Start the conversation

Start with your constraint, not our roadmap.

Tell us the license you hold and where the value leaks. We come back with a scope, a timeline and a commercial model.